（一） 已在或可在本保險單物質損失部分投保的財產損失，包括因免賠額，或賠償限額規定不予賠償的損失；
（二） 已在僱主責任保險項下投保的被保險人的雇員的疾病或人身傷亡。
本公司對所有被保險人由一次事故或同一事由引起的數次事故承擔的全部責任不得超過保險單明細表中列明的每次事故賠償限額。
C409 交叉責任擴展條款
茲經雙方同意， 鑒於被保險人已繳付了附加的保險費， 本保險單第三者責任項下的保障範圍將適用於本保險單明細表列明的所有被保險人，就如同每一被保險人均持有一份獨立的保險單， 但本公司對被保險人不承擔以下賠償責任：
本保險單所載其它條件不變。
附加保險費:_________________
E409 Cross Liability Clause
It is agreed and understood that subject to the Insured having paid the agreed extra premium, the Third Party Liability cover of the Policy shall apply to the insured parties named in the Schedule as if a separate policy had been issued to each party, provided that the Insurers shall not indemnify the Insured under this Endorsement in respect of liability for
1. loss of or damage to items insured or insurable under section I of the Policy, ever if not recoverable due to an excess or any limit,
2. fatal or non-fatal injury or illness of employees or workmen who are or could have been insured under Employers' Liability insurance.
The Insurers' total liability in respect of the insured parties shall not however exceed in the aggregate for any one accident or series of accidents arising out of one event the limit of indemnity stated in the Schedule.
This Clause is Subject otherwise to the terms, Conditions and exclusions of this Policy.
Extra premium:_________________
